Buying your first home should be quick, simple & stress-free.

A mortgage pre-approval from us is your key to unlocking homeownership. It’s a personalized evaluation that helps determine the maximum amount you can borrow, giving you clarity and confidence as you shop for your dream home. With our pre-approval, you’ll be ready to make competitive offers and navigate the homebuying process with ease.

Your credit score plays a significant role in determining your mortgage eligibility and the interest rates we offer you. A higher credit score typically results in better loan terms, including lower interest rates and potentially lower down payment requirements. 

At Mortgage Wiser, we offer various mortgage options tailored to your needs, including Conventional, FHA, VA, Jumbo, Reverse mortgage, Renovation Mortgage, Cash-out refinancing and more. Each has unique requirements and benefits. While Conventional loans provide flexibility, FHA and VA loans offer government-backed benefits. We’ll guide you to find the perfect solution for your homeownership goals.

Common documents required for the mortgage application process include proof of income (such as pay stubs or tax returns), asset statements (such as bank statements), identification (such as a driver’s license or passport), and documentation related to your employment and financial history. We will provide you with a detailed list of required documents.

Several factors influence your monthly mortgage payments, including the loan amount, interest rate, loan term, property taxes, homeowner’s insurance, and private mortgage insurance (if applicable).